AmerUs Life
Ratings Information
| Rating Agency | Rating Category | Rating |
| A.M. Best | Financial Strength | A |
| Standard & Poor's | Financial Strength | A+ |
| Moody's | Financial Strength | A3 |
| Fitch | Financial Strength | A |
Term Life Insurance Products Information:
| Product Name | Conversion Option | Face Amounts | Other Features | |
| AmerUs 10 AmerUs 15 AmerUs 20 AmerUs 30 |
Can be converted while the term policy is inforce to any permanent plan of insurance offered by the company without evidence of insurability, so long as the permanent plan’s maximum issue age has not been exceeded. | 10 Year: $100,000-$1,000,000 15, 20, 30 Year: $50,000 minimum for Non-Tobacco and Tobacco $100,000 minimum for Premier, Preferred Non-Tobacco, and Preferred Tobacco Band 1: $50,000-$99,999 Band 2: $100,000-$999,999 Band 3: $1,000,000 and up $120 Minimum annual premium |
Additional
Benefits Available Waiver of Premium Waiver of Premium Plus Accidental Death Benefit Children's Insurance Additional Insured (Spouse) Rider Accelerated Benefits Rider |
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| Term Lengths | 5 Year Term Life Insurance | 10 Year Term Life Insurance | 15 Year Term Life Insurance | 20 Year Term Life Insurance | 25 Year Term Life Insurance | 30 Year Term Life Insurance |
| Issue Ages | Not Available | 18-75 | 18-70 | 18-60 | Not Available | 18-50 |
State Approvals:
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| State | Approved? | State | Approved? | State | Approved | State | Approved? |
| Alabama Term Life Insurance | Yes | Illinois Term Life Insurance | Yes | Montana Term Life Insurance | No | Rhode Island Term Life Insurance | Yes |
| Alaska Term Life Insurance | Yes | Indiana Term Life Insurance | Yes | Nebraska Term Life Insurance | Yes | South Carolina Term Life Insurance | Yes |
| Arizona Term Life Insurance | Yes | Iowa Term Life Insurance | Yes | Nevada Term Life Insurance | Yes | South Dakota Term Life Insurance | Yes |
| Arkansas Term Life Insurance | Yes | Kansas Term Life Insurance | Yes | New Hampshire Term Life Insurance | Yes | Tennessee Term Life Insurance | Yes |
| California Term Life Insurance | Yes | Kentucky Term Life Insurance | Yes | New Jersey Term Life Insurance | Yes | Texas Term Life Insurance | Yes |
| Colorado Term Life Insurance | Yes | Louisiana Term Life Insurance | Yes | New Mexico Term Life Insurance | Yes | Utah Term Life Insurance | Yes |
| Connecticut Term Life Insurance | Yes | Maine Term Life Insurance | Yes | New York Term Life Insurance | No | Vermont Term Life Insurance | Yes |
| Delaware Term Life Insurance | Yes | Maryland Term Life Insurance | Yes | North Carolina Term Life Insurance | Yes | Virginia Term Life Insurance | Yes |
| Dist. of Columbia Term Life Insurance | Yes | Massachusetts Term Life Insurance | Yes | North Dakota Term Life Insurance | Yes | Washington Term Life Insurance | Yes |
| Florida Term Life Insurance | Yes | Michigan Term Life Insurance | Yes | Ohio Term Life Insurance | Yes | West Virginia Term Life Insurance | Yes |
| Georgia Term Life Insurance | Yes | Minnesota Term Life Insurance | Yes | Oklahoma Term Life Insurance | Yes | Wisconsin Term Life Insurance | Yes |
| Hawaii Term Life Insurance | Yes | Mississippi Term Life Insurance | Yes | Oregon Term Life Insurance | Yes | Wyoming Term Life Insurance | Yes |
| Idaho Term Life Insurance | Yes | Missouri Term Life Insurance | Yes | Pennsylvania Term Life Insurance | Yes |
Are you paying too much for life insurance? Or perhaps worse... you don't have any? If you have dependents or other people with whom you share your life, life insurance can play a vital and valuable role at virtually every stage of your life.